If you’re looking for a budget that is easy to follow and doesn’t require you to spend hours doing calculations, check out the Simple Budget Worksheet. This budgeting tool was created by financial experts who know how difficult it can be to figure out where to start in your finances. The Simple Budget Worksheet takes all the guesswork out of budgeting and simplifies everything in two ways: by making it easy to understand and by making it quick to set up. These budgeting tools are great for anyone who wants to get organized and take back control over their finances. Here’s how:
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The simple budget worksheet utilizes a simple bar graph to demonstrate you how your monthly savings could be broken down. It lists four different areas to place your monthly savings: Emergency, Savings, Other Goals, and Emergency Cover. It also allows you to choose what percent of your monthly income to dedicate to each category. You might want to save money for an emergency every month but save less for something else. If you’re married, you might also want to designate a joint account to both of you and divide your budget into separate categories for each spouse. These are just some of the options available with the Simple Budget Worksheet.
A simple budget worksheet is really easy to use, and it works with your budget planner. Most people don’t have a complicated financial situation; they just want to know where their money is going. When you create a worksheet in your budget planner, it works with it and keeps it current, allowing you to see at a glance how much of your income and expenses are already set aside for the future. If you’re planning to sell your home, you can put funds toward mortgage payments and other expenses, while still leaving enough money over for emergencies.
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Using the Simple Budget Worksheet is easy because it uses real numbers and not hypothetical ones. When you make estimates about future income and expenses, they have to be done with some degree of uncertainty. That’s why most financial planners recommend that you take your personal capital, your net worth, into account when making your estimates. By doing so, you can see if your budget planner is being effective; if your personal capital is rising, it means that you’re saving more and spending less on your daily expenses and living expenses.
The Simple Budget Worksheet calculates your monthly expenses based on your estimated net worth and your historical, personal income and expenses. If you want to calculate your expenses based on your historical income and expenses, then you’ll have to go all the way back to the beginning of the year. Otherwise, you have to make estimates about your net worth. Even then, you won’t be able to get a true and accurate picture of your actual net worth unless you make several estimates for the same period of time.
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The first thing that you have to do in order to get a decent picture of how much money you are saving or spending is to make sure that you’re not overestimating your expenses. This is where the budget template comes in handy. You simply need to enter in your estimated expenses for one or more categories; make sure that you put a tick in the box whenever you make an increase in any category. If you don’t do this, then you will end up overestimating your expenses.
The next thing that you have to do is to get a free budget planner printable from the Internet. Since the Simple Budget Worksheet is based on historical data, you may find that it doesn’t accurately reflect your current lifestyle. This is why you have to make sure that you get a printable version of the template. Go to several different websites and download the free budget planner templates that they provide. Make sure that they give you enough room to fill in your financial information.
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Finally, once you have downloaded your Simple Budget Worksheet, you have to open it in Microsoft Excel. You should then get started adding in your own expense tracker such as Google Expense Tracker or Quicken Premier. If you want to get started right away, this is the best option for you.
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